Boro Auto Loan

Boro Auto Loan

in Auto Loans from Westbon Inc.


Boro Auto Loan


in Auto Loans from Westbon Inc.

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Loan Amount $5,000 - $60,000
APR  (Fixed APR) 4.49% - 36%
Credit Score Range 300 - 850
Loan Term 12 - 45 months

Boro Auto Loan Review

Boro Auto Loan is offered by Westbon Inc., a direct lender founded in 2015 and based in Chicago, IL. Boro Auto Loan is available in 31 states across the USA.

How much can you borrow via Boro Auto Loan?

Boro Auto Loan auto loan amounts start at $5,000 and go up to $60,000.

What APR does Boro Auto Loan offer on its auto loans?

Boro Auto Loan offers a fixed APR auto loan product that ranges from 4.49% APR up to 36% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with Boro Auto Loan?

Boro Auto Loan has auto loans with terms ranging from 12 to 45 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Does Boro Auto Loan charge an origination fee?

Yes, Boro Auto Loan may charge a loan origination fee of 0% to 1.99% of the loan amount. Boro Auto Loan deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does Boro Auto Loan charge a late fee?

Yes, Boro Auto Loan charges borrowers with a late payment penatly fee of up to $15, which is triggered if you're 15 days late.

Does Boro Auto Loan charge prepayment fees?

No, Boro Auto Loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Boro Auto Loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Boro Auto Loan loan?

Yes, you can. Boro Auto Loan does not charge a prepayment fee, so you can save money by paying your auto loan early.

What do you need to qualify for Boro Auto Loan?

When it comes to credit scores, Westbon Inc. doesn't have a set minimum or maximum. People with all types of credit can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Boro Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Boro Auto Loan will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Boro Auto Loan product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Boro Auto Loan. Permanent resident / green card holders are also eligible to apply. An uncommon feature is for lenders to offer their services to non-residents. Westbon Inc. is one of the few that does.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Driver's license

What is the estimated funding time for an auto loan via Boro Auto Loan?

Boro Auto Loan will typically fund the loan within 2 business days of approval.

Does Boro Auto Loan report your account activity to credit bureaus?

Boro Auto Loan reports your account activity to the following credit reporting agencies:

  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

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  • Headquarters
  •   500 W Madison St, Suite 1000B, Chicago, IL, 60661
    Chicago, IL 60654 USA

Message from Westbon Inc.

We offer auto loans to international students and expats without SSN or credit history required.

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 4:00pm
  • Tuesday 7:00am - 4:00pm
  • Wednesday 7:00am - 4:00pm
  • Thursday 7:00am - 4:00pm
  • Friday 7:00am - 4:00pm
  • Saturday Closed

Other Services by Westbon Inc.


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 31 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Massachusetts
  • Michigan
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Late Fee After 15 days
Late Fee Amount $15
Origination Fee (%) 0% - 1.99%
Checking Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Joint Loan Applications Accepted
  • Cosigner
  • Individual Applications
Maximum Mileage 70,000
Maximum Vehicle Age 7
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
Verification Documents Required Driver License (or other photo ID)
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates  
Funding Time Range 1 - 2 days
Payment Options
  • Automatic Payments
  • Check by mail
Loan Amount $5,000 - $60,000
APR (Fixed APR) 4.49% - 36%
Loan Term 12 - 45 months

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